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Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy allows you to keep many of your assets while stopping creditor harassment at the same time. It also allows you to work out a payment plan on your mortgage arrears under certain circumstances. Attorney Kimberly Taylor will help determine whether you qualify to file for Chapter 13 reorganization bankruptcy.

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Once you file Chapter 13 bankruptcy, creditors have to stop calling you. We will help you come up with a plan to repay some or all of your debt.  Depending on your circumstances, you could end up paying cents on the dollar for credit card debt, medical bills and other debt.

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When you file Chapter 13 with a bankruptcy attorney, you may also include your mortgage arrears in the Chapter 13 plan as long as you can afford to pay your current mortgage. Not only does filing bankruptcy stop creditor harassment, it also gives you time to negotiate with your mortgage lender to pay the arrears and to start paying your mortgage again. At the very least, if you can no longer afford your home, it gives you time to find another home.

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You can include many types of bills in a Chapter 13 bankruptcy including medical bills, credit cards and most other liabilities. Once you decide that Chapter 13 bankruptcy is the best way for you to stop creditor harassment, we will advise you of the requirements of Chapter 13, including documents required to file the bankruptcy petition and the schedules. You may have to provide bank statements, mortgage statements, credit card bills, collections letters and other documents.

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Once the bankruptcy has been filed, you will have to attend a meeting often referred to as a “341 meeting.” Creditors may or may not show up at the meeting. At the meeting, you may be asked a few questions about why you cannot pay your debt. Often, unexpected medical bills or divorce get in the way of life and you just need to start over with a clean slate.

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Contact Attorney Kimberly Taylor for a bankruptcy consultation and learn how to lift the weight of debt off your shoulders and stop creditor harassment. Attorney Taylor is an experienced bankruptcy attorney who can help you decide whether you should file bankruptcy and if so, how to keep most of your assets.

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